Open question: How can I begin constructions loan?

Hello there everyone! Well f�ehle me I 23 years old and manufactured few to no credit note. The only thing, which I have, which on my soil quality evaluation will its my telephone account would count (at& T-cellular phone bill). but differently than that I do not have credit cards, no nothing, no notch. I have bank account with capital one. and I applied to the smallest delimitation credit card ($300) the capital one to offer must, but sadly because of my not existing soil quality evaluation, which I was refused. My husband received straight his Social and no credit note has. We look, in order to buy a nice property/head, but we know to be refused, we for any kind housing loan, since no it can make a good credit note notch available and I know that she can take a few years, in order to manufacture good credit note. Can someone recommend a way to keep begun? Owing to I your whole assistance estimates.